Some features of this Group Services section are available only to our Discount Groups and Affiliates. To register for log-in access, you will need your group’s name, the zip code of the organization you represent, and the access code provided in your Discount Group or Affiliate confirmation letter or email. If you do not have this information, please contact Group Services.

Insurance for Homeschool Groups

The following information is prepared by Home School Legal Defense Association to assist state and local home school leaders in addressing insurance issues arising from the organization of support groups and state associations. Except for the references to federal law, the information provided is based upon the law in the majority of the states. No representation is made that this information is accurate for any particular state which may have a statute, regulation, or court ruling contrary to the information provided herein. The contents of this section do not constitute legal advice. HSLDA recommends that you consult a local attorney or insurance agent in any final decisions regarding these insurance issues.

Each group’s circumstances are different, so you’ll want to talk to an insurance agent about exactly what sort(s) of insurance would be best for your group. However, our basic suggestions are (1) a good general liability insurance to cover accidents at support group functions and (2) officer/director insurance to prevent someone from coming after the board member’s personal assets.

For general information on the various types of insurance, as well as specific questions to ask a company, read "Insurance for Homeschool Groups" by Carol Topp.

Group Policies

Because of the diverse characteristics of home-education programs, many insurance companies have been reluctant to offer homeschool groups the same coverages they offer public and private schools. Now, through the hard work of two agencies, Special Markets Insurance Consultants and NCG Insurance, HSLDA is pleased to announce an insurance program specifically tailored to the needs of homeschool groups.

The content of this website has been prepared for and is intended to provide information that may be useful to members of the Home School Legal Defense Association. The Association does not necessarily warrant this information. The reader must evaluate this information in light of the unique circumstances of any particular situation and must then determine independently the applicability of this information.

Inclusion of resource links is for information purposes only and does not necessarily constitute endorsement of any or all content of linked sites. While some links redirect to other HSLDA site pages, many links listed redirect to external pages; HSLDA cannot guarantee the accuracy of information found through any external link. Please let us know if you find a broken link so we can correct it.